Workers compensation laws and regulations increase in volume and complexity each year. As a result, employers have grown accustomed to letting their contractors insurance company control the eases and the costs. A recent study by the Workers' Compensation Insurance Rating Bureau shows 75% of premium and investment income was spent on claims costs. This includes disability benefits, medical care, and vocational rehabilitation costs. Here are 10 steps you can take that can have a direct impact on your contractors insurance workers' compensation insurance costs: